The debate rages on in Florida regarding the appropriate trigger rule for progressive or latent property damage under commercial general liability ("CGL") policies. Recently, the Eleventh Circuit weighed in, rejecting the manifestation trigger and holding that the injury-in-fact trigger applied to determine available coverage in a construction defect case.

The 10th Circuit Court of Appeals recently issued a decision that serves to remind policyholders that the insured's duty to provide timely notice may be treated differently under a "claims-made" policy. Specifically, the 10th Circuit held that insurance carriers may not be required to show that they have been prejudiced by a policyholder's failure to give "prompt" notice before denying coverage under a "claims-made" policy.

Did you get a chance to check out our selections for the 10 most important insurance coverage decisions in 2014? Data breaches, construction defects, releases of ammonia gas, and sinkholes all provided an extraordinary year in policyholder insurance law. Take a look, and let us know if there were any other cases you found interesting.

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